1993 Dodge Ramcharger Insurance Rates – 10 Ideas for Cheaper Quotes

Locating the cheapest insurance for a Dodge Ramcharger can turn out to be an all-consuming task, but you can learn our auto insurance buying tips to make it easier. There are more efficient ways to compare auto insurance rates so you’re going to learn the quickest way to price shop coverage for your Dodge and get the lowest possible price from both online companies and local agents.

Consumers need to check auto insurance prices quite often because insurance rates tend to go up over time. Even if you think you had the best rates for Ramcharger insurance a couple years back the chances are good that you can find a lower rate today. Starting now, ignore everything you know about auto insurance because you’re going to get a crash course in the fastest and easiest way to find lower rates on auto insurance.

Free Insurance Quotes

Getting a cheaper price on 1993 Dodge Ramcharger insurance can be surprisingly simple. The only thing you need to do is take time comparing price quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.

The most efficient way to get quotes is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate forms for each company. Completing one form gets you coverage quotes from several companies. This is perfect if you don’t have a lot of time.

A different way to obtain and compare quotes online consists of visiting each company website to complete their respective quote request forms. For example, we’ll pretend you want to compare Nationwide, Farmers and Travelers. To get rate quotes you would need to visit each site and enter your information, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

However you get your quotes, double check that you are using identical coverage information for every company. If each company quotes unequal deductibles or liability limits it’s not possible to make an equal comparison.

You probably qualify for some discounts

Companies that sell car insurance do not advertise all their discounts very well, so the following is a list of some of the more common as well as the least known auto insurance savings. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • No Charge for an Accident – A handful of insurance companies permit an accident before raising your premiums if your claims history is clear for a set time period.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Resident Student – Youth drivers who are attending college without a vehicle on campus may qualify for this discount.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.
  • Driver Safety – Completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Multiple Cars – Buying coverage for all your vehicles with the same company could earn a price break for each car.
  • Low Mileage – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
  • Student Driver Training – Require your teen driver to complete a driver education course if it’s offered in school.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most cut specific coverage prices like comp or med pay. Just because you may think you can get free auto insurance, auto insurance companies aren’t that generous.

Companies that may offer some of the above discounts are:

It’s a good idea to ask each company which discounts they offer. Savings may not apply in your state.

There’s no such thing as the perfect policy

When buying adequate coverage, there really is no single plan that fits everyone. Every situation is different.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from an agent’s advice.

  • Am I covered if I crash into my own garage door?
  • How much can I save by bundling my policies?
  • Exactly who is provided coverage by my policy?
  • Who is covered when they drive my 1993 Dodge Ramcharger?
  • Are there companies who specialize in insuring high-risk drivers?
  • I don’t drive much so do I pay less?
  • Should I waive the damage coverage when renting a car?
  • Do I need PIP coverage since I have good health insurance?
  • What is the difference between comprehensive and collision coverage?
  • How much underlying liability do I need for an umbrella policy?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Drivers who switch save $411 a year? Really?

Consumers get pounded daily by advertisements that promise big savings by companies like 21st Century, Allstate and State Farm. They all seem to make the same claim that you’ll save big after switching to them.

How can each company make the same claim? This is how they do it.

All the different companies have a preferred profile for the type of driver that is profitable for them. For instance, a profitable customer could possibly be between the ages of 40 and 55, has no tickets, and chooses high deductibles. Any driver who meets those qualifications gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who don’t qualify for the requirements will be charged higher rates and this can result in business going elsewhere. The ad wording is “customers that switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can advertise the savings. That is why you absolutely need to get a wide range of price quotes. You cannot predict which insurance companies will give you the biggest savings on Dodge Ramcharger insurance.

Insurance policy coverages for a 1993 Dodge Ramcharger

Having a good grasp of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Collision insurance

Collision insurance covers damage to your Ramcharger resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as driving through your garage door, crashing into a ditch, colliding with a tree, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 1993 Dodge Ramcharger.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses such as chiropractic care, X-ray expenses and prosthetic devices. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like theft, vandalism, damage from a tornado or hurricane, hitting a bird and falling objects. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things such as medical services, funeral expenses, legal defense fees and bail bonds. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

And the best car insurance company is…

Budget-conscious 1993 Dodge Ramcharger insurance is available from both online companies and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance providers may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

Drivers change insurance companies for many reasons like unfair underwriting practices, high prices, being labeled a high risk driver or even extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new company can be easy and end up saving you some money.

As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. In many instances, someone dropped uninsured motorist or liability limits only to regret they didn’t have enough coverage. Your strategy should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

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